HB 450 Louisiana House · 2025 Regular Session

EVIDENCE: Provides relative to evidentiary presumptions in personal injury claims

HB 450 requires all motor vehicle insurers operating in Louisiana to reduce their bodily injury liability and property damage insurance rates by at least 2% in every service area. Insurers must file these reduced rates with the state insurance commissioner within 60 days of the bill's effective date. The rate reduction savings will apply to policyholders when they renew existing policies or purchase new coverage. This bill directly affects insurance companies and their customers by mandating a specific, uniform rate cut. The legislation does not address evidentiary rules as suggested by its title, focusing solely on insurer rate adjustments.
Bill status signed all 5 stages cleared
Introduction
Apr 2025
Committee Review
May 2025
House Passage
Apr 2025
Senate Passage
May 2025
Signed into Law
May 2025
Introduced Apr 4, 2025 Signed May 28, 2025
Maddy AI version diff · 4 comparisons

What changed between versions

HB450 Original HB450 Act · 4 edits
MODERATE
This bill removes a legal presumption that allowed plaintiffs to prove injury causation simply by showing they were healthy before an incident and that the injury persisted afterward. By eliminating this rule, the law now requires individuals to provide more direct evidence proving that a specific act actually caused their injuries, rather than relying on the absence of prior health issues.
Scope change
The change applies to all personal injury claims that are not covered by workers' compensation, specifically targeting the evidentiary standards used in court to determine causation.
REQUIREMENT

Deleted the rule that allowed a plaintiff to prove causation by establishing they were in good health before the incident and that the injury remained after the incident.

Added a requirement that plaintiffs must prove every element of their claim, including causation, without the benefit of the previous presumption.

ELIGIBILITY

Clarified that this new evidentiary standard does not apply to claims brought under the Louisiana Workers' Compensation Law.

TIMELINE

Added a provision stating the law applies prospectively only to causes of action arising after the effective date of the Act.

Floor votes · Senate May 21, 2025 · House Apr 28, 2025

How they voted

269
Passed · 2 other
Total votes 37
May 21, 2025
D Democratic11
9 Nay 2
81% Nay
R Republican26
26 Yea
100% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
23
Key actions
4
Committee
5
May 21, 2025
Upper · Passed
Rules suspended. Read by title, passed by a vote of 28 yeas and 9 nays, and ordered returned to the House. Motion to reconsider tabled.
upper
May 19, 2025
Committee
Read by title and referred to the Legislative Bureau.
upper
May 14, 2025
Upper · Passed
Reported favorably.
upper
Apr 28, 2025
Lower · Passed
Read third time by title, amended, roll called on final passage, yeas 68, nays 24. Finally passed, title adopted, ordered to the Senate.
lower
Apr 15, 2025
Lower · Passed
Reported favorably (13-0-1).
lower
Apr 14, 2025
Committee
Read by title, under the rules, referred to the Committee on Civil Law and Procedure.
lower
Apr 4, 2025
Committee
Under the rules, provisionally referred to the Committee on Civil Law and Procedure.
lower
1 primary · 47 co-sponsors

Sponsors